[1] African Governance & Dev Inst, POB 8413, Yaounde, Cameroon
[2] Dar Al Uloom Univ, Coll Business, 1 Mizan St Al Fatah, Riyadh 13314, Saudi Arabia
[3] Istanbul Gelisim Univ, Fac Econ Adm & Social Sci, Istanbul, Turkey
[4] South Ural State Univ, Dept Financial Technol, Chelyabinsk, Russia